Managing cash flow during a commercial property development

• Cash flow challenge: My property development project has high upfront costs and staged payments, but delays or overruns make cash flow unpredictable.

• Perfect for: Property developers, contractors, or investors managing the financial challenges of building and refurbishment projects.

Novuna helps property developers access funding that matches the staged nature of projects. We compare providers, support your application, and secure the right finance to keep builds moving.

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Why cash flow is a challenge in property development

Property development projects often involve high initial spending on land, planning, and construction. Income typically comes later, once properties are sold or let. This mismatch creates ongoing cash flow pressures.

Key areas where cash flow problems arise

Upfront costs

Purchasing land, securing planning permission, and initial construction expenses require significant outlay before income begins.

Staged payments

Contractors and suppliers are often paid in stages, while funding or sales income may not align.

Delays and overruns

Unexpected delays in planning, supply chains, or construction can increase costs and extend project timelines.

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Strategies to manage cash flow in development projects

Build realistic forecasts

Factor in contingencies for delays, overruns, and additional costs.

Stage funding to project needs

Align finance with milestones such as land purchase, foundation, and completion.

Use flexible staffing and supply agreements

Agree contracts that allow adjustments if timelines shift.

Maintain access to working capital

Keep a financial buffer to cover unexpected costs or slow sales.

Funding options for property development

Development finance

Specialist finance to fund construction or refurbishment projects.

Bridging loans

Short-term funding to cover immediate costs while waiting for long-term finance or sales

Working capital loans

Flexible loans to cover operational expenses or delays.

How Novuna Business Cash Flow helps

Novuna works with property developers to secure finance tailored to staged projects. Whether it’s development finance, bridging loans, or working capital, we ensure your project continues without disruption.